aboutus

Born out of retail, we stand for reliability, security, and price sensitivity. Instead of risking dependencies we engage in long term collaborations. With an eye to the future we are investigating the most innovative payment solutions for retail and consumer, while still keeping the needs of the present in focus.

aboutus

Born out of retail, we stand for reliability, security, and price sensitivity. Instead of risking dependencies we engage in long term collaborations. With an eye to the future we are investigating the most innovative payment solutions for retail and consumer, while still keeping the needs of the present in focus.

rootsinretail

We are driven by the challenge to steer the financial future for retailers through the fluctuation of the market, using reliable technology and a keen sense for trends.

What we can do

What we focus on

Where we come from

Up to now it’s more than fourteen years of experience in banking and payment we bring to the table. We use our deep understanding of financial needs in retail to evolve processes and tools. With this we do not only guide REWE group securely into the future. Our expertise is also available for other retailers and tourism.

Our teams compete to be ahead of the pack when it comes to agility, relieability and innovation.

We view payment not only as a process that should be as paynless as possible, but also as a strategic tool for promoting customer loyalty and increasing sales.

The seed for Paymenttools was planted at REWE Netzbetrieb. Since our founding, we have benefited from the unique ecosystem of the REWE Group.

This network accelerates each of our technical developments and challenges us to deliver the necessary innovations in perfect shape. Of course, our other customers also benefit from our performance under heavy load conditions.

rootsinretail

We are driven by the challenge to steer the financial future for retailers through the fluctuation of the market, using reliable technology and a keen sense for trends.

What we can do

What we focus on

Since our inception, we have been keeping pace with the latest developments in payment technology. Significant changes in payment technology and customer’s behavior have led to fierce competition for paying customers. We view payment not only as a process that should be as paynless as possible, but also as a strategic tool for promoting customer loyalty and increasing sales.

Where we come from

The seed for Paymenttools was planted at REWE Netzbetrieb. Since our founding, we have benefited from the unique ecosystem of the REWE Group. This network accelerates each of our technical developments and challenges us to deliver the necessary innovations in perfect shape. Of course, our other customers also benefit from our performance under heavy load conditions.

thefacts

The goal is simplification – for consumers and merchants.
Payment is not a cost item anymore but a strategic key for trust, data sovereignty and future viability.

payformance

Almost two billion successful transactions per year prove our performance. In 2025, our infrastructure enabled the REWE Group to make a strategic decision towards its own bonus system, which continues to grow to this day. We have also successfully integrated payment into the customer loyalty app. This one-scan transaction not only makes shopping paynless for customers, but also marks a decisive step towards greater independence for retailers from cost-intensive schemes.

weoffer

Easy and cost-effective payments
Security and reliability
System stability & reliability
Strong & reliable partnerships
Payment expertise
Well-trained customer service & support
Flexible API integration
Flexibility

ourvalues

No matter what happens, card payments must work smoothly! The highest level of reliability applies not only to our technology and infrastructure, but also to the ethical standards of our teams. Flexibility is not a contradiction to this, but rather a fitting complement that allows us to face challenges and new developments in an equally positive spirit.

One, two, three, four and more!

One for all: we are following the REWE Group to other countries too. In 2023, we started with Billa, BiPa, Penny, ADEG and Sutterlüty in Austria, went on in 2025 to Billa in Slovakia, and in 2026 we will be enchanting Czech checkouts.

Kartenausschnitt zeigt Zweigstellen Paymenttools

Who is at the helm?

Paymenttools is led by a management team with deep roots in the payment industry.
Dr. Oliver Bernards and Christoph Stolz contribute strategic and operational expertise from years in banking, treasury, and corporate finance.
Together, they combine leadership experience with a clear commitment to stability, compliance, and client-focused solutions.